Education

• Bachelor of Science in Financial Management from Western Kentucky University
• Master of Arts in Applied Economics from Western Kentucky University

Special Certifications and / or Designations

• CFP® certification, Financial Planner Board of Standards
• Investment Advisor Representative, FINRA/Kentucky Department of Financial Institutions
• Licensed Accident & Health Insurance Agent, Kentucky Department of Insurance
• Licensed Life Insurance Agent, Kentucky Department of Insurance
• Licensed Variable Life & Variable Annuities Agent, Kentucky Department of Insurance

Andrew brings over two decades of professional experience to the financial planning field. Born in Oxford, England, to an American father and an English mother, he spent his early years on U.S. military bases in Europe before establishing roots in Bowling Green, Kentucky. Throughout his career, he has worked in banking, trust management, and both wirehouse and independent advisory firms in the U.S. and internationally. This breadth of experience allows him to effectively support clients, mentor students, and advance the financial planning profession.

Currently, Andrew serves as a Pedagogical Associate Professor in the Department of Finance at Western Kentucky University. Recognized by Financial Planning Magazine as one of the "Professors Revolutionizing Financial Planning" in 2017, he teaches courses on Personal Finance, Tax Planning, Risk Management & Insurance, and Practice Management. From 2011 to 2015, he also directed the university’s CFP® Board Registered Financial Planning Programs and continues to be involved in program design and leadership initiatives.

Andrew is the founding and current Director of WKU's Center for Financial Success, which provides a range of financial literacy resources, including a peer-counseling clinic staffed by student Financial Success Counselors. He also founded and advises WKU’s Financial Planning Association™ Student Chapter and previously served as Membership Chair on the FPA™ of Kentuckiana’s Board of Directors.

In addition to his university roles, Andrew has co-authored over 15 chapters in the CFP® Board Financial Planning Competency Handbook (1st and 2nd editions). He was selected to represent the CFP® Board as a judge for the national Financial Planning Challenge competition at the FPA™ BE Conferences in both 2015 and 2016.

Andrew lives in Bowling Green with his two sons. He enjoys spending time with family and friends, traveling. coaching youth soccer, and watching Liverpool Football Club every chance he gets.

Education

• Associate of Arts from Florida College
• Bachelor of Science in Financial Planning from Western Kentucky University
• Bachelor of Arts in Economics from Western Kentucky University

Special Certifications and / or Designations

• CFP® certification, Financial Planner Board of Standards
• Investment Advisor Representative, FINRA/Kentucky Department of Financial Institutions
• Licensed Accident & Health Insurance Agent, Kentucky Department of Insurance
• Licensed Life Insurance Agent, Kentucky Department of Insurance

Richard has professional experience in personal, corporate, and operational finance and accounting. He uses his wide range of experience to help individuals and businesses thrive. He also provides consulting services to multiple small businesses through Boxcar, LLC.

Richard lives in Bowling Green, Kentucky with his wife, Charity, and their four children. He enjoys spending time with his family and friends, traveling, and playing golf. Richard is also a deacon and active member of the Lost River Church of Christ in Bowling Green, Kentucky.

Education

• Bachelor of Science in Financial Planning from Western Kentucky University

Special Certifications and / or Designations

• CFP® certification, Financial Planner Board of Standards
• Investment Advisor Representative, FINRA/Kentucky Department of Financial Institutions
• Licensed Life Insurance Agent, Kentucky Department of Insurance

Derrick Palmer brings over a decade of experience in the financial planning industry, helping clients navigate their financial goals with confidence. Originally from Tampa, Florida, Derrick relocated to Bowling Green in 2011 after meeting his wife, Marissa Palmer (née Burch). In 2014, he earned a Bachelor’s degree in Finance Management from the Gordon Ford College of Business at Western Kentucky University.

Shortly after graduation, Derrick launched his career with Edward Jones Investments as a licensed Financial Advisor. Since day one, he has been dedicated to working directly with clients, offering personalized solutions to their financial challenges.

Achieving the prestigious CERTIFIED FINANCIAL PLANNER® designation was one of Derrick’s primary career aspirations. After years of dedication and rigorous preparation, he proudly earned his CFP® certification in 2021, solidifying his expertise in comprehensive financial planning.

Outside of work, Derrick enjoys life on his 46-acre family farm with his wife, Marissa, and their three children—Davis (8), Lucy (5), and Trey (2). The farm is a hub of activity, ensuring there’s never a dull moment in the Palmer household. Derrick is also deeply involved in his community as a worship leader at Lost River Church of Christ, where many of Marissa’s family are active members.

Education

• Bachelor of Science in Financial Planning and Business Finance from Western Kentucky University

Special Certifications and / or Designations

• Investment Advisor Representative, FINRA/Kentucky Department of Financial Institutions

Grant has professional experience in financial planning, payroll services, and banking. Grant helps clients plan their financial journey and take steps to accomplish their goals.

Grant also works in the firm with internal documents, compliance, and assisting other advisors with various projects. Grant is also a Payroll Specialist at Payroll Vault, a local franchise that provides a personal and customized Payroll and HR service to a wide array of businesses.

Grant lives in Bowling Green, Kentucky with his wife Ashlin. He enjoys being outdoors hunting or fishing, as well as sports such as disc golf and pickleball. Grant is an active member of Lost River Church of Christ where he spends time serving in various ways.